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Medicaid & CHIP coverage

Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.

Some states have expanded their Medicaid programs to cover all people below certain income levels.

See if you qualify for Medicaid based on income alone

Find out if your state is expanding Medicaid and if you qualify based only on your income. We’ll also tell you if you qualify for savings on a health insurance plan instead.

Even if your state hasn’t expanded Medicaid and you don’t qualify based on income alone, you should apply.

Each state has coverage options that could work for you – particularly if you have children, are pregnant, or have a disability.

There’s no limited enrollment period for Medicaid or CHIP. If you qualify, coverage can begin immediately, any time of year.

Apply for Medicaid and CHIP 2 ways

1. Through the Health Insurance Marketplace

Fill out an application through the Health Insurance Marketplace.

If it looks like anyone in your household qualifies for Medicaid or CHIP, we’ll send your information to your state agency. They’ll contact you about enrollment.

When you submit your Marketplace application, you’ll also find out if you qualify for an individual insurance plan with savings based on your income instead. Plans may be more affordable than you think.

Start a Marketplace application. Just choose your state, click “Continue,” and select whether you want to use a quick Medicaid/CHIP screener or just start an application.

2. Through your state Medicaid agency

You can also apply directly to your state Medicaid agency. Select your state below for your Medicaid agency’s contact information.

STATE DROPDOWN TOKEN

Medicaid CHIP basics

Medicaid basics

In all states, Medicaid provides coverage for some low-income people, families and children, pregnant women, the elderly, and people with disabilities.

In some states, Medicaid has been expanded to cover all adults below a certain income level. Learn more about Medicaid expansion in your state and what it means for you .

Medicaid programs must follow federal guidelines, but coverage and costs may be different from state to state.

In all states, CHIP provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, CHIP covers pregnant women.

Each state works closely with its state Medicaid program.

In many cases, if you qualify for Medicaid your children will qualify for either Medicaid or CHIP.

Learn more about CHIP .

More questions: Medicaid and CHIP

If I have Medicaid or CHIP, am I considered “covered” by the health care law?

Yes. If you have Medicaid or CHIP you don’t have to buy a Marketplace insurance plan. You don’t have to pay the fee that people without health coverage must pay. (Certain limited coverage Medicaid plans, like those that cover only family planning or outpatient hospital services, don’t qualify as coverage under the health care law.) Learn more about limited-coverage Medicaid programs .

What services does Medicaid cover?

Medicaid benefits are different in each state. But all states provide comprehensive coverage. See what services Medicaid offers in all states .

What’s the income level to qualify for Medicaid?

It depends on the state you live in.

If your state has expanded Medicaid: You can qualify based on income alone. See if you’ll qualify. If your state has not expanded Medicaid: You may qualify based on your state’s existing rules. These vary from state to state and may take into account income, household size, family status (like pregnancy or caring for young children), disability, age, and other factors. Because each state and each family situation is different, there’s no way to find out if you qualify without filling out an application.

If my income’s too high for Medicaid, can I buy insurance through the Health Insurance Marketplace?

Generally yes, as long as you qualify to use the Marketplace. Most people whose incomes are just above the level to qualify for Medicaid can pay very low premiums and out-of-pocket costs for private health insurance through the Marketplace. Find out if you’ll qualify for savings.

What if I’m eligible for Medicaid, but want to buy an insurance plan in the Marketplace instead?

A Marketplace insurance plan would cost more than Medicaid and usually wouldn’t offer more coverage or benefits. If you qualify for Medicaid, you aren’t eligible for savings on Marketplace insurance. You’d have to pay full price for a plan.

What if I have Medicaid now, but I have only limited benefits?

Some limited types of Medicaid coverage pay only for:

Family planning

Emergency Medicaid

Tuberculosis services

Outpatient hospital services

If you have limited Medicaid coverage, you can fill out an application through the Health Insurance Marketplace and find out if you qualify for comprehensive coverage through either Medicaid or a Marketplace insurance plan with savings based on your income.

Important: If you have limited Medicaid coverage, when you fill out a Marketplace application and are asked if you have coverage now, don’t check the box saying you have Medicaid. Check “None of the above” instead.

What rules apply to former foster children and Medicaid?

All states must offer former foster children uninterrupted Medicaid coverage until they turn 26, as long as at least one of the following is true:

They were in the foster care system and received Medicaid benefits on their 18th birthday

They aged out of the foster care system with Medicaid coverage after they were 18 or older

These rules apply after January 1, 2014.

Note: If the foster child moves to a new state, the new state’s Medicaid agency may not provide coverage. Check with your state Medicaid agency to learn more.

What if I’ve been turned down for Medicaid or CHIP coverage?

You may be able to buy a private health plan through the Marketplace instead. You may qualify for savings based on your income through a premium tax credit and savings on out-of-pocket costs. Many people can find plans for $75 or less per month.

In most cases, the state will send your information to the Marketplace. The Marketplace will send you a notice explaining how to submit an application for a private insurance plan. The application will be pre-filled with information you gave the state agency.

If your state hasn’t expanded Medicaid coverage

If your state hasn’t expanded Medicaid and your state agency said you’re not eligible under its current rules, you may have fewer options for coverage. Depending on your income you may not qualify for savings on a private insurance plan.

Modified Adjusted Gross Income under the Affordable Care Act

Summary

Under the Affordable Care Act, eligibility for income-based Medicaid 1 and subsidized health insurance through the Marketplaces is calculated using a household s Modified Adjusted Gross Income (MAGI). The Affordable Care Act definition of MAGI under the Internal Revenue Code 2 and federal Medicaid regulations 3 is shown below. For most individuals who apply for health coverage under the Affordable Care Act, MAGI is equal to Adjusted Gross Income. This document summarizes relevant federal regulations; it is not personalized tax or legal advice. Consult the Health Insurance Marketplace for your state, your local Medicaid agency, or a legal or tax advisor for assistance in determining your MAGI.

Modified Adjusted Gross Income (MAGI) =

Adjusted Gross Income (AGI)

Line 4 on a Form 1040EZ

Line 21 on a Form 1040A

Line 37 on a Form 1040

Wages, salaries, tips, etc.

Taxable interest

Taxable amount of pension, annuity or IRA distributions and Social Security benefits 4

Certain business expenses of reservists, performing artists, and fee-basis government officials

Note: Check the IRS website for detailed requirements for the income and deduction categories above. Do not include Veterans disability payments, workers compensation or child support received. Pre-tax contributions, such as those for child care, commuting, employer-sponsored health insurance, flexible spending accounts and retirement plans such as 401(k) and403(b), are not included in AGI but are not listed above because they are already subtracted out of W-2 wages and salaries.

Add back certain income

Non-taxable Social Security benefits4 (Line 20a minus 20b on a Form 1040)

Using Life Insurance to Pay for Long-term Care

You can use your life insurance policy to help pay for long-term care services through the following options:

Combination Products

Many consumers are reluctant to buy long-term care insurance because they fear that their investment will be wasted if they do not use it. Some insurance companies have attempted to solve this problem by combining life insurance with long-term care insurance. The idea is that policy benefits will always be paid, in one form or another. These products are relatively new and the features are changing as the product evolves. The amount of the long-term care benefit if often expressed in terms of a percentage of the life insurance benefit.

Accelerated Death Benefits (ADBs)

A feature included in some life insurance policies that allows you to receive a tax-free advance on your life insurance death benefit while you are still alive. Sometimes you must pay an extra premium to add this feature to your life insurance policy. Sometimes the insurance company includes it in the policy for little or no cost.

There are different types of ADBs each of which serves a different purpose. Depending on the type of policy you have, you may be able to receive a cash advance on your life insurance policy s death benefit if:

You are terminally ill

You have a life-threatening diagnosis. such as AIDS

You need long-term care services for an extended amount of time

You are permanently confined to a nursing home and incapable of performing Activities of Daily Living (ADL). such as bathing or dressing

Good To Know

The amount of money you receive from these types of policies varies, but typically the accelerated benefit payment amount is capped at 50 percent of the death benefit. Some policies, however, allow you to use the full amount of the death benefit.

For ADB policies that cover long-term care services. the monthly benefit you can use for nursing home care is typically equal to two percent of the life insurance policy s face value. The amount available for home care (if it is included in the policy) is typically half that amount.

For example, if your life insurance policy s face value is $200,000, then the monthly payout available to you for care in a nursing home would be $4,000, but only $2,000 for home care. Some policies may pay the same monthly amount for care, regardless of where you receive the care.

When you receive payments from an ADB policy while you are alive, the amount you receive is subtracted from the amount that will be paid to your beneficiaries when you die.

Key things to consider before taking advantage of an ADB policy include:

If your life insurance policy includes an ADB feature, you may be able to use your life insurance policy to help cover long-term care services. Depending on the policy amount, there may be little or no health screenings required. So if you have a health condition that might exclude you from long-term care insurance eligibility, you can still obtain a long-term care insurance policy through the ADB feature on a life insurance policy.

ADB policy payouts for long-term care services are often more limited than the benefits you could receive from a typical long-term care insurance policy.

The face value of your life insurance policy may not be enough to allow ADB payments that are enough to cover your long-term care services needs. The benefit payments may be too low and the duration may be too short to cover your long-term care services expenses.

ADB riders on life insurance policies may not offer inflation protection. If the policy does not include inflation protection, the ADB payment may not be sufficient to cover your future long-term care service costs.

If you want to leave an inheritance. you should consider whether using your life insurance death benefit to pay for long-term care services is the right option. If you use the ADB feature for long-term care services , there may be little or no death benefit remaining for your survivors.

Using the ADB option may affect your eligibility for Medicaid. Check with your state Medicaid agency for more information.

Life Settlements

These plans allow you to sell your life insurance policy for its present value to raise cash for any reason. This option is usually only available to women age 74 and older and to men age 70 and older. You may choose to use the proceeds to pay for long-term care services .

Key things to consider before moving forward with a life settlement:

If you sell your life insurance policy, there may be little or no death benefit left for your heirs when you die

The process does not require any health screens ; you may be in good or poor health

The proceeds of the sale may be taxed

Viatical Settlements

These plans allow you to sell your life insurance policy to a third party and use the money you receive to pay for long-term care. A viatical settlement is like a life settlement, but it is only possible if you are terminally ill. During the settlement process, a viatical company pays you a percentage of the death benefit on your life insurance policy, which is based on your life expectancy. The viatical company then owns the policy and is its beneficiary. The viatical company also takes over payment of premiums on the policy. As a result, you get money to pay for care, and the viatical company receives the full death benefit after you die.

Unlike the life settlement, money you receive from a viatical settlement is tax-free. if you have a life expectancy of two years or less or are chronically ill and the viatical company is licensed in the states in which it does business.

Key things to consider before using a viatical settlement:

You can only use the viatical settlement if you are terminally ill and have a life expectancy of two years or less

If you use the viatical settlement option, you do not have to satisfy the health requirements for long-term care insurance

If you use the viatical settlement option, your life insurance policy will not pay a death benefit to your heirs

Viatical companies approve less than 50 percent of applicants

The amount that you receive in cash from a viatical settlement is a percent of the death benefit on your life insurance policy. The chart below lists guidelines from the National Association of Insurance Commissioners (NAIC). for how that percent varies based on your life expectancy.

Income TAX Department Customer Care in Delhi-NCR

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A Champlain College Health Care Administration Bachelor’s Degree challenges you to build on what you know as a healthcare professional, pushing you to think about what can be done differently and more efficiently. Our HCA classes are anchored in the real world with instructors who are also healthcare practitioners, and who are passionate about their area of expertise and in helping you succeed. Additionally, because this online B.S. health care administration degree is built for individuals currently working in healthcare, you and your classmates will learn from each other by sharing best practices and diverse perspectives. You’ll build a network of relationships that will benefit you throughout your career.

Please Note: This is a 60 credit accelerated bachelor’s program. In order to be eligible, you must first have an associate degree, or 60 equivalent college credits, in any discipline. Need an associate degree? Consider our associate degree in business management before pursuing your health care administration bachelor’s.

According to the U.S. Bureau of Labor Statistics’ Occupational Outlook Handbook, employment opportunities for health care administrators are expected to increase by 23% by 2022, which is much faster than the national average for all jobs. With a degree in healthcare administration, you could find yourself planning, directing or coordinating health and medical services in a variety of different settings such as a hospital, private practice, skilled nursing facility, insurance company, public health facility and more.

Complete your coursework wherever you are when it’s most convenient for you.

Reach degree completion sooner with 7-8 week courses and up to 6 start dates per year.

My bachelor’s degree was something I have wanted since earning my associate in 2002. In 2013, I started a new position that required a bachelor’s, which pushed me to complete my degree quickly. I chose Champlain in large part because of the class size and because it offered the degree I wanted completely online.”

BYTSYZ E-Learning training, online courses

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Safeguarding children

Our range of online courses is suitable for individuals who have varied responsibility for the safeguarding and protection of children and or vulnerable adults. Visit the Safeguarding children and vulnerable adults training section for more information.

Respiratory Therapist Overview

Overview

“We like to call ourselves the Rodney Dangerfield of health care,” says Timothy Myers, associate executive director of the American Association for Respiratory Care. “Not because we don’t get respect, but because people don’t know about respiratory therapists. We’re often confused with nurses. And people often look down on our work needing only an associate’s level degree for entry, but it’s a challenging profession that can actually be rewarding.”

Given the amount of growth expected in this occupation – 14,900 new positions by 2024 – now seems like a good time to end the confusion about what these health care workers actually do.

Respiratory therapists, or RTs, provide care for patients with heart and lung problems. They often treat people who have asthma, chronic bronchitis, emphysema, cystic fibrosis and sleep apnea, but also those experiencing a heart attack or suffering a stroke. They perform diagnostic tests for lung capacity, administer breathing treatments, record a patient’s progress and consult with physicians and surgeons on continuing care. And Myers is right – respiratory therapy is a profession that only requires an associate degree to enter. But once you’re in, don’t expect to coast by on only two years worth of training. Even after completing their educational requirements, RTs work to stay steps ahead of evolving health care practices and treat the growing number of Americans struggling with heart and lung problems.

The Centers for Disease Control and Prevention reports there are more than 15 million adults in the U.S. living with chronic obstructive pulmonary disease. the name for conditions that limit air flow and cause breathing trouble. By 2020, all baby boomers will be 55 or older and will be more susceptible to medical conditions like COPD and pneumonia. Given future health care needs, this field looks promising for job prospects. The Bureau of Labor Statistics estimates employment growth of about 12 percent by 2024.

Quick Stats

$57,790 Median Salary

0.6% Unemployment Rate

14900 Number of Jobs

Rankings

Respiratory Therapists rank #21 in Best Health Care Jobs. Jobs are ranked according to their ability to offer an elusive mix of factors. Read more about how we rank the best jobs.

Respiratory Therapists are ranked:

Salary

In 2015, respiratory therapists made a median salary of $57,790. The BLS reports that the highest-paid made more than $80,440, and the lowest-paid earned less than $41,970. Although hospitals employ the most RTs, they don’t pay the best. Outpatient care centers pay therapists in the upper 60s. If you really want the best compensation, job hunt in California. The top-paying metropolitan areas are San Francisco, San Rafael and Vallejo.

75th Percentile. $69,470

25th Percentile. $48,750

How much do Respiratory Therapists make in your city?

See current salary offers for jobs in this field

Training

At a minimum, respiratory therapists need an associate degree, but the field’s elite also have a bachelor’s degree. According to the American Association for Respiratory Care, there are 381 associate programs throughout the country, 57 bachelor’s degree programs and three master’s programs. Anticipate coursework in anatomy, chemistry, microbiology, pharmacology and mathematics. These programs also offer training on performing diagnostic tests and patient assessment.

The next step in training is obtaining a license and certification. There are two certification levels that most RTs seek: Certified Respiratory Therapist (CRT), which indicates your mastery of essential knowledge, skills and abilities as an entry-level therapist, and Registered Respiratory Therapist, or RRT. An RRT credential signifies a more advanced level of knowledge. “In today’s market, people are looking for advanced practice clinicians, and therefore, there’s a movement for employers to really push for the RRT credential,” Myers says. “We’ve basically told our grads when coming in the door that they had to achieve their RRT within a year of employment.”

Specialists have other certifications to consider, including the Neonatal/Pediatric Respiratory Care Specialist credential, or the Sleep Disorders Testing and Therapeutic Intervention Respiratory Care Specialist credential.

Job Satisfaction

Average Americans work well into their 60s, so workers might as well have a job that’s enjoyable and a career that’s fulfilling. A job with a low stress level, good work-life balance and solid prospects to improve, get promoted and earn a higher salary would make many employees happy. Here’s how Respiratory Therapists job satisfaction is rated in terms of upward mobility, stress level and flexibility.

Home

Preventing healthcare errors, fraud and abuse is everyone s responsibility! The Massachusetts Senior Medicare Patrol (SMP) Program is a statewide partnership between community based organizations and mainstream agencies. Our objective is to reach and educate Medicare and Medicaid beneficiaries, family members, caregivers, and professionals on the importance of being engaged healthcare consumers to prevent healthcare errors, fraud and abuse .

The MA SMP Program is designed to provide education and resources on how to address healthcare errors, fraud and abuse for Medicare and Medicaid beneficiaries, family members, caregivers, and professionals, with a focused effort on reaching limited English proficient, Native Americans and other hard-to-reach populations.

Healthcare errors, fraud and abuse cost you, as an American taxpayer, billions of dollars annually and may cost you your life or the life of a loved one. We are all responsible for being involved participants in our own healthcare. If you or someone you know has been subjected to questionable billing practices and/or deceptive marketing tactics related to healthcare, contact the MA SMP Program .

The MA SMP Program is one of 54 SMP programs across the country including Washington DC, Puerto Rico, Guam and U.S. Virgin Islands. The MA SMP Program is funded by the Administration For Community Living. For more information about other SMP programs visit www.smpresource.org .

South Plains Rural Health Services Inc

South Plains Rural Health Services Inc is a Medical Group that has 5 practice medical offices located in 1 state 3 cities in the USA. There are 16 health care providers, specializing in Nurse Practitioner, Family Practice, Internal Medicine, Emergency Medicine, Obstetrics/Gynecology, being reported as members of the medical group. Medical taxonomies which are covered by South Plains Rural Health Services Inc include Adult Health, Nurse Practitioner, Women’s Health, Registered Nurse, Family Medicine, Obstetrics & Gynecology, Internal Medicine, Family.

In Lamesa Texas, South Plains Rural Health Services Inc has 8 members working at 2 different practice locations. Medical taxonomies which are covered by group’s doctors and health care providers in the city include Nurse Practitioner/Family, Allopathic & Osteopathic Physicians/Family Medicine, Physician Assistants & Advanced Practice Nursing Providers/Nurse Practitioner, Nursing Service Providers/Registered Nurse.

Doctors Health Care Providers

There are 8 members in Lamesa TX.

You can use use filter to narrow down the members list, showing only members that you want.

Doctor /Physician / Health care Provider Provider Name

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